Frequently Asked Qustions (FAQs)

We are a comparison website that provides free, unbiased comparison of financial products offered by banks, insurance and telecom operators. Making it easier and simpler for you to better understand financial product that you plan to buy.

Financial decision are not only important but any uninformed decision can cause serious frustration. Hence through us you can compare multiple products and do "apple to apple" comparison before you decide.

We act as a bridge between you and service providers so you can make better and faster decision. Any contractual obligation or committment is between you and the service provider you select to work with.

Our services for our customers is totally free of cost. The price you see on our website are official prices of the partner companies we work with and no additional amount has been added. If you want to report any misinformation, please email us on contactus at smartchoice.pk

Our trained customer advisor will call to explain chosen policy in detail and answer any queries you may have. Once you agree to proceed, a surveyor will be arranged to take pictures of your car and collect documents. Surveyor shall call and fix the time at your convenient time and location.

Once survey is completed successfully, cover note (official document stating your personal, car and other details) will be issued and sent to you to verify details and check exclusion if any.

Note, there are no charges for survey and cover note and if you decide not to proceed ahead, you dont need to make payment to us or any one else.

After this payment has to be made by cheque/cash directly into the insurance company bank account. On payment confirmation, insurance company will process the original policy and post it at your given address within 3 working days.

In case you are unable to make the payment for your car insurance before the expiry of cover note but you would still like to proceed ahead, in that case survey has to be arranged again and new cover note has to be issued. Please note that premium rates are revised frequently.

Yes, this is one of the condition to process your claim. In case you have bought your car from someone else and transfer is in process you can still get your car insured in your name by sharing proof of transfer.

Every insurance company has a specific claim departments who handles all such query. As soon as any incident occurs that is covered under your insurance policy, you need to raise it immediately with insurance provider at the given number on your policy document

Most of the insurance companeis offer this as optional cover which means that additional charges have to be paid if you need this benefit. Also there is a waiting period of 9-10 months before you can make claim for this, there are also certain other conditions which apply to this.

Insurance companies do not cover any pre-existing conditions which means that at the time of buying insurance policy if you already have any disease then any expenses related to that disease will not be covered.

Yes we offer 60 minutes service which allows you to get the policy issued and sent to your email address within an hour. This facility is only available if you make online payment during working hours. Otherwise you can complete the process online and select COD in payment option and we will deliver the policy at your given address.

Each policy issued has a unique policy number, you will find this on your certificate. You can visit insurance company website and enter this policy ID to verify. This ID is also used by Embassy to verify policy authenticity.

Yes you can request for refund with the insurance company, for this you need to provide certain documentary evidence such as visa rejection letter. Note that 35% cancellation fee shall be applicable on the total policy amount you paid

Yes, if traveller is above 65 years, the premium you see on our website will increase depending on the terms and conditions of insurance company. This increement is usually 50 to 100% of the premium you see on our website

Our customer advisor will get in touch with you during working hours to process your order and answer any queries that you may have. Once your confirm order, our team will process your details with internet provider to deploy the internet connection and payment

As provincial taxes vary from province to province hence we have not included taxes in monthly charges. However you can be assured that our team will explain you tax charges on call based on your city and connection type.

Yes this is it to verify proof of income and certain other financial checks necessary to process your credit limit. However it is not necessary to have account in the same bank you applying to get credit card fom.

Credit limit is determined based on your income, past credit history, other loan amounts if any or etc. Maximum credit limit you can get is 3 times of your income however this varies based on various parameters.

Finance

Smartchoice.pk website has taken reasonable efforts to ensure that all contents of the website are
accurate and free of error. However at no time can it be guaranteed that mistakes are not present.
The Smartchoice.pk website reserve the right to change website content at any time and without prior
notice. The Smartchoice.pk website does at no time guarantee that the contents of its website are
suitable to any individual case and in no event will the Smartchoice.pk warrant or guarantee the
suitability for any use or purpose of information, services or products on this website.